Credit cards can be used for overdraft purchases, while savings cards are a type of debit card and cannot be used for overdraft purchases. Credit cards, debit cards, and savings cards can be distinguished by their appearance. The distinction is as follows:

The front of a credit card has the pinyin of the cardholder's name and the credit card expiration date, while the front of a debit card does not have the pinyin of the cardholder's name, and most debit cards do not have an expiration date;

2. Credit card numbers are embossed, while most debit cards have flat fonts;

3. Some dual-currency credit cards have VISA or Master marks on the front, and debit cards have VISA or Master marks on the front. Then there are none;

4. The signature column of credit cards has 7 digits, but most of the debit cards do not;

5. There are laser anti-counterfeiting signatures on the back of credit cards, while almost all debit cards have None;

6. Almost all credit cards have the words “cardholder’s signature, invalid without signature” below the signature column, while debit cards only have “cardholder’s signature” on the right side of the signature column. words. :

Credit cards, debit cards and savings cards are all bank cards, but they are not separate card types. Bank cards are mainly divided into credit cards and debit cards, and other types of cards may be derivatives of these two cards. The debit card itself is a type of debit card.

Credit cards are mainly divided into credit cards and quasi-credit cards.

Credit Card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

A credit card is a credit card in the true sense, with functions such as credit consumption, transfer settlement, and cash deposits and withdrawals. It has the following characteristics: consume first and repay later, enjoy an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts.

Quasi-credit card (SemiCreditCard) means that the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance of the quasi-credit card is insufficient, payment can be made at the card-issuing bank. A credit card that is overdrafted within the specified credit limit.

Debit Card refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function. According to their different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Debit card is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption.

It also has many additional functions such as transferring funds, buying and selling funds, stock trading, payment, etc., and also provides a large number of value-added services. Debit cards can also be used for transfers and withdrawals through ATMs. Overdraft is not allowed, and interest is calculated on the amount in the account based on current deposits.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS.

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